Call reports 2008
RICHWOOD BANKING COMPANY, INC., THE — 2008
What RICHWOOD BANKING COMPANY, INC., THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 219,922,000 | 210,109,000 | 214,300,000 | 224,140,000 |
| Total loans | 112,507,000 | 114,967,000 | 117,980,000 | 122,336,000 |
| Allowance for loan losses | 544,000 | 552,000 | 556,000 | 429,000 |
| Securities available for sale | 78,462,000 | 75,586,000 | 70,372,000 | 78,304,000 |
| Securities held to maturity | 1,516,000 | 1,485,000 | 1,480,000 | 1,326,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,843,000 | 189,258,000 | 192,949,000 | 201,611,000 |
| Interest-bearing deposits | 172,670,000 | 169,973,000 | 170,504,000 | 169,346,000 |
| Noninterest-bearing deposits | 24,173,000 | 19,285,000 | 22,444,000 | 32,265,000 |
| Equity capital | 19,924,000 | 18,515,000 | 18,588,000 | 19,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,068,000 | 6,108,000 | 9,192,000 | 12,309,000 |
| Interest expense | 1,549,000 | 2,977,000 | 4,309,000 | 5,603,000 |
| Net interest income | 1,519,000 | 3,131,000 | 4,883,000 | 6,706,000 |
| Noninterest income | 261,000 | 573,000 | 974,000 | 1,174,000 |
| Noninterest expense | 1,369,000 | 2,771,000 | 4,264,000 | 5,889,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 420,000 | 948,000 | -308,000 | -869,000 |
| Income tax | 19,000 | 97,000 | 200,000 | -685,000 |
| Net income | 401,000 | 851,000 | -508,000 | -184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,811,000 | 19,082,000 | 20,350,000 | 20,192,000 |
| Total capital | 19,355,000 | 19,634,000 | 20,906,000 | 20,621,000 |
| Risk-weighted assets | 140,132,000 | 140,121,000 | 142,470,000 | 145,766,000 |